Ask the Economist is an ongoing series in which DS News talks with an economist about the most pressing issues facing the nation's housing industry and the economy. This installment features Jonathan Smoke, Chief Economist with Realtor.com.

It has enabled the industry to evolve its loss mitigation norms by helping to define a process that uses income to drive to a specific debt-to-income level, and it is likely that modifications beyond HAMP will continue to occur on this basis.

Counsel's Corner is an ongoing series in which DS News talks with default servicing attorneys around the country about the most pressing issues facing the default servicing industry. This installment features Angela Kleine, a partner in the San Francisco office of Morrison Foerster.

Ask the Economist is an ongoing series in which DS News talks with an economist about the most pressing issues facing the nation's housing industry and the economy. This installment features Amy Crews Cutts, SVP and Chief Economist with Equifax.

Counsel's Corner is an ongoing series in which DS News talks with attorneys around the country about the most pressing issues facing the default servicing and mortgage industries. This installment features Howard Knee, a partner in the Los Angeles office of Blank Rome.

Ask the Economist is an ongoing series in which DS News talks with an economist about the most pressing issues facing the nation's housing industry and the economy. This installment features Peter Muoio, Chief Economist with Auction.com.

Under the CFPB’s proposed rules, most borrowers in bankruptcy would receive periodic statements/coupons, unless the borrower requests that the servicer stop sending them; surrenders the property; the court avoids the lien; or the lien is relieved from stay.

Ask the Economist is an ongoing series in which DS News talks with an economist about the most pressing issues facing the nation's housing industry and the economy. This installment features Sean Becketti, Chief Economist with Freddie Mac.

Counsel's Corner is an ongoing series in which DS News talks with default servicing attorneys around the country about the most pressing issues facing the default servicing industry. This installment features Jon Patterson, a member of Bradley Arant Boult Cummings LLP's Financial Services Litigation & Compliance team.